re: Balloon mortgage vs fixed rate mortgage

I'm still having a hard time understanding why he didn't offer another balloon as an option upon renewal. Wouldn't it have been easier to renew or even extend the current loan? Then perhaps a $400 appraisal wouldn't have been necessary. And a lower rate probably. He is aware of my payment history of the current loan and I specifically told him I plan on completely paying off the remaining balance within 12-24 months.

I emailed him earlier today asking him the advantages of doing the 10 year fixed over another balloon and he just kind of skirted around the question. Planning on calling him tomorrow I guess unless I can better understand it tonight.